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How long after Chapter 13 bankruptcy can I buy a home?
Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
In a Chapter 13 you can often buy while still in the plan — after 12 months of on-time payments with trustee approval on FHA and VA. Conventional generally requires two years from discharge or four from dismissal.
Because Chapter 13 involves repayment, the rules are friendlier than Chapter 7. We'll coordinate trustee approval and confirm your timeline.
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